IN THE SUPERIOR COURT OF THE STATE OF DELAWARE

HEATHER M. ROSADO, )

)

Plaintiff, )

)

v. ) C.A. No. N19C-12-242 CEB

)

STATE FARM MUTUAL )

AUTOMOBILE INSURANCE )

COMPANY, )

)

Defendant. )

Submitted: April 22, 2020

Decided: July 9, 2020

Defendant’s Motion to Dismiss.

GRANTED

MEMORANDUM OPINION

Gary S. Nitsche, Esquire, WEIK NITSCHE & DOUGHERTY, LLC, Wilmington, 

Delaware. Attorney for Plaintiff.

Robert D. Cecil, Esquire, TYBOUT REDFEARN & PELL, Wilmington, Delaware. 

Attorney for Defendant.

BUTLER, J.
1

INTRODUCTION

This is an action for underinsured motorist coverage, instituted by a Plaintiff 

who, having received the $25,000 policy limits from the insured tortfeasor, seeks 

additional compensation from her insurer, State Farm Mutual Automobile Insurance 

Company (“State Farm”). 

The Plaintiff is a resident of the State of Maryland. She signed a contract of 

insurance with State Farm, an Illinois corporation, in the State of Maryland that 

included underinsured motorist coverage. She was involved in an automobile 

accident in the State of Maryland with a tortfeasor that is described alternately as a 

resident of Delaware and Maryland, depending on whose pleading one reads. 

The tortfeasor was insured and the insurance company paid over the $25,000 

policy limits in satisfaction of the tortfeasor’s liability for Plaintiff’s claim. 

Thereafter, Plaintiff filed suit against her own insurer, State Farm, in this Court. 

State Farm has moved to dismiss, arguing alternately that this Court does not have 

personal jurisdiction over State Farm in this matter and that, even if it does, Delaware 

is an inconvenient forum in which to litigate the dispute. Because the Court finds 

that it is without personal jurisdiction over State Farm for this dispute, it need not 

address State Farm’s alternate argument concerning forum non conveniens. 
2

DISCUSSION

The evolving law of jurisdiction analyzes issues of personal jurisdiction along 

two tracks: specific jurisdiction and general jurisdiction. General jurisdiction is said 

to apply when the defendant is sued in the forum for non-forum related conduct. 

Such cases may be brought in the state where the defendant is incorporated or where 

it locates its principal place of business or where it has so situated its business as to 

be essentially “at home” in the forum. State Farm is incorporated in the State of 

Illinois and wherever its principal place of business is (the parties do not say) we 

know it is not Delaware. Other than “doing business” in Delaware, there is no 

credible argument raised that Delaware and State Farm have such an affiliation as to 

render it subject to suit for non-forum related activity. Thus, Plaintiff cannot lay a 

claim to general jurisdiction in Delaware.

Specific jurisdiction, on the other hand, arises from conduct in the forum 

itself, such as a car accident or other tort. That jurisdiction derives from the forum’s 

interest in adjudicating issues among its citizens or over mishaps that occur within 

its borders. These two species of jurisdiction are fleshed out in a number of U.S.
3

Supreme Court decisions in recent years1and are discussed in more detail by this 

Court in In re Talc Product Liability Litigation.

2

 

In this case, the accident occurred in Maryland. If we consider the “claim” as 

one involving State Farm’s contractual undertaking to pay the insured when the 

tortfeasor is unavailable or unable to pay, that too arose in Maryland.3 The only 

relationship between Delaware and this dispute is that a non-party, the tortfeasor, 

may or may not live here. Thus, Plaintiff seeks to bring State Farm into a Delaware 

Court based on conduct that is unrelated to Delaware. That can only be done if 

Plaintiff can establish general jurisdiction in Delaware and Plaintiff has not even 

attempted to do so. 

Plaintiff directs the Court to 10 Del. C. §3104, the Delaware Long Arm 

Statute. But the long arm statute is only as broad as the Due Process Clause will 

 

1 See, e.g., Goodyear Dunlop Tires Operations, S.A. v. Brown. 564 U.S. 915 (2011); 

Daimler AG v. Bauman, 571 U.S. 117 (2014); Bristol-Myers Squibb Co. v. Superior 

Court of California, San Francisco County, 137 S.Ct. 1773 (2017).

2 2018 WL 4340012 (Del. Super. Sept. 10, 2018) (Butler, J.)

3

Indeed, in Sessoms v. Richmond, 2017 WL 6343548 (Del. Super. Dec. 8, 2017), 

the Superior Court ruled that an uninsured motorist claim “arose” in the state where 

the contract of insurance was made, not the forum where the accident occurred.
4

allow it to be, and cases interpreting the constitutional reach of personal jurisdiction 

supersede conflicting language in the long arm statute.4

But even if we engage Plaintiff in the long arm statute analysis she seeks, 

she is no better off. Plaintiff says that “a non-resident defendant is subject to 

personal jurisdiction in Delaware when that entity” does any of the enumerated 

acts in 10 Del. Code §3104(c),5 but the statute actually says it may be utilized to 

obtain non-resident jurisdiction “As to a cause of action brought by any person 

arising from any of the acts enumerated in this section...”6 Those enumerated acts 

all relate to events or things having a relationship to this state; in other words, 

specific jurisdiction. Thus, Plaintiff’s reading of the long arm statute to confer 

general jurisdiction over non-forum related activity is overly broad to the extent 

she seeks to confer upon the Court an authority not granted by the U.S. 

Constitution or even the language of the statute itself. 

Plaintiff’s brief in resistance to State Farm’s motion says that “Defendant is a 

large insurance company that regularly transacts their business and writes insurance 

policies in Delaware” and that “Defendant advertises for their insurance agents 

physically located in Delaware and issues a large number of insurance policies every 

 

4 See generally Genuine Parts Company v. Cepec, 137 A.3d 123 (De. 2016) 

(striking down Delaware’s foreign corporate registration statute to the extent it

conflicts with Daimler). 

5 Plaintiff’s Response in Opposition to Defendant’s Motion to Dismiss, D.I. 7, ¶7

6 10 Del. C. §3104(c) (emphasis added).
5

year.”7 These arguments may well have carried the day, well, back in the day. But 

Goodyear, Daimler AG, and Bristol-Myers Squibb have changed the rubric for 

determining personal jurisdiction and these attributes of “doing business” in 

Delaware are insufficient to confer general jurisdiction in Delaware over a dispute 

that is otherwise unknown to this state. 

CONCLUSION

For the foregoing reasons, the Court will GRANT Defendant State Farm’s 

motion to dismiss.

IT IS SO ORDERED.

Judge Charles E. Butler

 

7 Plaintiff’s Response in Opposition, D.I. 7, ¶8.